What is a "Medical Exam"?

In most cases, a nurse or phlebotomists obtains a blood sample, urine specimen, records height and weight, takes blood pressure, records health question answers, medication names and dosages, from the person on which the life insurance will be on. Called the proposed insured or applicant.

*** The insurance company pays the cost of the medical exam.

*** Medical Exam requirments vary based on the proposed insureds age and face amount request.

Below are great tips to get the best readings from the medical exam and lab report. Which ultimately helps the underwriter classify your risk category. The lower the risk category, the lowest possible price/premium category for your life insurance. (Traditional Underwriting Process)

NOTE: You need to disclose all relevant health history information to the nurse and have your doctor’s information available (name, address, phone number) when the nurse comes. In some cases you may need to have several doctors information available.

48 Hours Prior to Exam:

  • Stay off sodium to help reduce your blood pressure
  • Eating oatmeal for breakfast will help lower your cholesterol
  • Fruits and Vegetables lower cholesterol and lower blood pressure
  • Eating Fish lowers cholesterol
  • Drink a single glass of red wine each evening to lower your cholesterol

24 Hours Prior to Exam:

  • No strenuous exercise for twenty-four hours prior
  • No alcohol as it will raise your blood pressure
  • Avoid caffeine
  • Get a good night’s rest.

Day of Exam:

  • Avoid caffeine
  • Don’t eat for at least (4) hours before the exam.
  • Drink a couple glasses of water (1) hour prior to the exam so a urine specimen can be taken
  • Do not smoke or chew tobacco for at least (1) hour prior to the exam as this constricts artery walls, thus elevation your blood pressure

Health Conditions Requiring Extra Attention:

  • Hypertension: No stimulants, take exam in the morning, continue your usual medications and relax prior to the exam.
  • Diabetes: Eat approximately 2 ½ hours prior to the exam and be sure not to consume any sugars afterwards.  Empty bladder right after your meals that day and drink 1-2 glasses of water before the exam.
  • Past Heart or EKG issues: Do not take ANY stimulants prior to your exam.


The Ripley Group

P.O. Box 516

South Cle Elum, WA 98943